The Bonnewell Group at Morgan Stanley Smith Barney

The Bonnewell Group at Morgan Stanley Smith Barney

701 Town Center Drive Suite 902, Newport News, VA 23606 757-873-3300 / MAIN 800-338-8948 / TOLL-FREE 866-767-4630 / FAX http://fa.smithbarney.com/bonnewell/ gary.bonnewell@mssb.com matt.montgomery@mssb.com stef.boykin@mssb.com

The Bonnewell Group at Morgan Stanley Smith Barney Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. THE BONNEWELL GROUP 3

Meet the Professionals Gary D. Bonnewell, CFP First Vice President Senior Investment Management Consultant Financial Advisor The Bonnewell Group at Morgan Stanley Smith Barney As a fully licensed investment professional for more than 25 years, Gary implements wealth management strategies for clients incorporating his extensive study in the area of financial planning. Gary is firmly committed to long-term relationships and strives to deliver exceptional client service. Gary D. Bonnewell is a 1979 graduate of Virginia Wesleyan College where he received his B.A. in Communications Studies. Gary also holds a Master of Science degree and is a Certified Financial Planner Professional TM. Gary is active at his alma mater where he is Vice Chairman of the Board of Trustees. He has also been President of the Alumni Council, and the Blue Marlin Athletic Club. Additionally, he was the first recipient 4 MORGAN STANLEY SMITH BARNEY

of the Alumni Community Service Award, and is an honorary member of Sigma Beta Delta, and Omicron Delta Kappa. Gary has been active in the community, having been President of the Norfolk Jaycees, President of the D Art Center, and Chairman of the International Azalea Festival. Gary is currently Chairman of the Board of Trustees of Norfolk Collegiate School. Gary is active in his church, Ghent United Methodist where he serves as Lay Leader. He is married to the former Deborah L. Moyer. They have two children, David (20) and Grace (17) and they reside in Norfolk. License/Certifications: Series 7, 66, 9, 10 and Life and Health. Currently Licensed in the following states: AZ, CT, FL, KY, NC, OH, SC, VA, CA, DC, GA, MD, NY, RI, WV, PA, WA, NJ, TN. Matthew G. Montgomery Second Vice President Financial Advisor Matt is a Financial Advisor with the Bonnewell Group at Morgan Stanley Smith Barney. Matt began his career in the financial industry in 2006 when he joined the Bonnewell Group at Citi Smith Barney, a predecessor to Morgan Stanley Smith Barney. Matt provides our clients with investment and financial strategies to help them achieve their financial goals. Matt grew up in Williamsburg, Virginia and is a graduate of Virginia Wesleyan College in Virginia Beach, Virginia. While there, he studied Finance and upon graduation he received his Bachelors degree in Business. Matt resides in Norfolk, Virginia with his wife Gina. License/Certifications: Series 7, 66 and Life and Health. Currently Licensed in the following states: AZ, CT, FL, KY, NC, OH, SC, VA, CA, DC, GA, MD, NY, RI, WV. THE BONNEWELL GROUP 5

Stefanie C. Boykin Senior Registered Associate Stefanie Boykin is a Senior Registered Associate with Morgan Stanley Smith Barney. She began her career in the financial industry in 2005 with Legg Mason, a predecessor to Morgan Stanley Smith Barney. Stefanie provides our clients with outstanding customer service in all administrative aspects of their accounts. She also assists the team with trade support, team marketing and organizing client events. Stefanie grew up in Williamsburg, Virginia and graduated from Jamestown High School. She attended Missouri State University where she was a member of the swimming and diving team. As a supporter of The American Cancer Society, Stefanie is actively involved in volunteering and raising funds for Relay for Life. Stefanie resides in Yorktown, Virginia with her husband Philip. License/Certifications: Series 7 and 66. Currently Licensed in the following states: AZ, CT, FL, KY, NC, OH, SC, VA, CA, DC, GA, MD, NY, RI, WV, PA, WA, NJ, TN.

A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future. 1 We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about. 8 MORGAN STANLEY SMITH BARNEY

Discover Analyze 2 We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals. Review Implement 3 Our objective approach to implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, we will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified. 4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

For Life's Most Important Goals With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights into your needs with the resources of Morgan Stanley Smith Barney. Setting a Confident Course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Managing the Rewards of Success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. l Asset Allocation THE BONNEWELL GROUP 11

Risk Management The ups and downs of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what I care about most? Retirement When I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account? Integrated Planning Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximize the value of what I own? Education Funding Will I be able to pay for a good education for my children and my grandchildren? Business Strategies How do I manage my personal wealth with so much tied up in my company? Investment Management I have so many goals and priorities. How can one investment strategy balance them all? Liquidity I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? You Benefit From a Profound Understanding of the Full Range of Wealth Management Needs Estate Planning Making sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy? Charitable Pursuits The charities I support are like extended family. How do I maximize the good I can accomplish?

A CULTURE of EXCELLENCE OVER THE YEARS, YOU HAVE MADE MANY FINANCIAL DECISIONS. ONEINPARTICULARISLIKELYTOHAVEALASTINGIMPACT ONYOURWELLBEINGANDTHATOFYOURFAMILY: THE CHOICE OF A FINANCIAL ADVISOR. Investors who choose Morgan Stanley Smith Barney often tell us that their reasoning is simple. They choose a Financial Advisor and a firm that mirrors the values propelling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses. A STRONG, STEADY FORCE IN A CHANGING INDUSTRY CEO and senior team with deep wealth management experience 130 years of combined experience 900 global locations 18,000 financial advisors 7 million client accounts $1.5 trillion client assets UNPARALLELED EXPERIENCE. Drawing on many years of experience, Morgan Stanley Smith Barney understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Our firm and Financial Advisors have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthyinvestors. Additionally, asatruly global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks. This combination positions us to develop, structure and execute solutions for your most important financial needs, from accumulating wealth to investing for income, from solidifying retirement security to devising a distribution approach that meets your lifestyle and legacy goals. INVESTMENT INSIGHT WITHOUT LIMITS. As a client, you have access to the strategic and tactical views of some of the world s most seasoned and respected investment professionals. The membersofourglobalinvestmentcommittee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley Smith Barney. The team is currently supported by the work of 350 analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who cover key geographicandeconomicsectors, aswell as 3,000 individual equity securities. You also benefit from a premier trading and execution platform. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners. PERFORMANCE THAT MEETS YOUR MEASURE. Among the most important skills of our Financial Advisors is the abilitytolisten: tothoroughlyunderstand your financial needs and then align the resources to meet them. Your Financial Advisorcanhelpyouevaluateimmediate concerns and plan for long-term goals, be a sounding board for your investment ideas, assist you in developing and executing a strategy that is precisely your own and help deliver performance results that meet your needs. YourFinancialAdvisorisyouradvocate withinourfirm, anintelligenteditorwho selects and aligns the many capabilities of Morgan Stanley Smith Barney for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. ONEOFTHEWORLD S STRONGEST INVEST- MENT ORGANIZATIONS STANDS BEHIND YOUR FINANCIAL ADVISOR Financial Advisors have access to top-flight research from both MorganStanley and Citi. Combined, they analyze and track the progress of more than 3,000 companies all over the world. Please read important disclosures on the back cover of this brochure MORGAN STANLEY SMITH BARNEY

Morgan Stanley Smith Barney strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley Smith Barney s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth. 14 MORGAN STANLEY SMITH BARNEY

Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. 2012 Morgan Stanley Smith Barney LLC. Member SIPC. 211036 05/2012